At One Plan Financial we act as intermediary between you, the customer and the provider we recommend for your product.  We charge for our impartial advice initially and the ongoing servicing of your business.  Ongoing service includes annual reviews, dealing with any claims, fund switches, managing investment portfolios etc. In some situations we are paid commission by the institution and in some we charge a fee.  The full list of commissions available to us from the providers we work with are detailed in the following Remuneration document. 

 

We pride ourselves in offering value to our clients and transparency around fees.  The following is an outline of how we charge:

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FINANCIAL PLANNING CONSULTATION: €220

 

Consultation only, no product set up.  Includes:

• Cashflow Modelling

• Scenario Planning

• Investment Advice

• Retirement Planning

• Budgeting Advice

 

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Protection:

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Protection Fees are charged as a multiple of your monthly premium and are paid to us by the provider we recommend.  We will research the market for the best price and benefits for the cover you require.  We are not tied to any insurer and offer a fair analysis of the market place. 

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Investments:

 

Regular Contributions: Initial fee of between 10-15% of annual contribution depending on the investment amount.  We then charge an ongoing management fee of 0.25 to 0.5% of your fund annually for ongoing advice and management; the higher the fund the lower the fee.  The initial and ongoing fee are included in your annual management fee charged by the provider, usually between 0.75% and 1.5%. 

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Once off Contributions: Initial fee of 1-5% of the lump sum depending on the amount of the investment.  We then charge between 0.25% and 0.5% of your fund annually for ongoing advice and management.  These fees are included in your annual management fee of no more than 1.25%.

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Pensions: 

 

Regular Premium Pension: Initial fee of between 10-20% depending on contribution plus ongoing fee of between 0.25 and 0.5%.  The initial and ongoing fee are included in your annual management fee charged by the provider, usually between 0.75% and 1.5%.  In some situations where the fee from the provider doesn't cover costs we charge a fee of €295 approximately for initial set up.

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Pension Transfers or Single Premium Pensions: Initial fee of 1-5% of the lump sum depending on the amount of the investment.  We then charge between 0.25% and 0.5% of your fund annually for ongoing advice and management.  These fees are included in your annual management fee of no more than 1.25%.  In some situations where the fee from the provider doesn't cover costs we charge a fee of €295 approximately for initial set up.

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